Kuwana Munharaunda ye $ 250,000 Zvikwereti Zviri Nhamba Kupfuura Iwe Unofunga
Muchidimbu, kana iwe ukaronga kambani yebhangi sekubhadharwa parufu, munhu wawakamutumidza haana kodzero yemari chero ipi kusvikira wapfuura. Paunoita, zvakadaro, ivo vanobva vangova muridzi wekambani. Inoparadzanisa imba yako uye inotonyanya kusimba pane yako yekupedzisira uye chirevo. Icho chimiro chekuvimbiswa kwekuregererwa mune kuti pane mumwe munhu ane ruzivo rwekubatsira munhoroondo. Icho ndicho chikonzero kuti idzi nhoroondo dzekodha dzinowanzotumidzwa se "murombo murume's trust fund". Nokuda kwekuti hapana mapepa uye mari inoshandiswa, vanowana zvakawanda zvakafanana nemigumisiro yekodzero yekuchengetedza mari. Zvinhu zviri munhoroondo yacho zvinotamba kuti zvipere zvese!
Nokuda kwechido ichocho chinopa rubatsiro, FDC ino inokubvumira kubhadhara mari inosvika $ 1,250,000 pane imwe sangano rezvemari nekuita kusvika kusvika ku5 (5) inobhadharwa kune avo vanofa, asi hapana mumwe wavo anogona kuvharwa kudarika $ 250,000.
Mufananidzo unogona kukubatsira iwe kunzwisisa nheyo dzekugadzira sarudzo.
Mufananidzo Wokuti Unobhadharwa paKurongwa Kwekufa Unogona Kuwedzera Dhigirii Dzako reDDIC
Fungidzira iwe uri chiremba. Iwe une vazukuru vashanu. Iwe unoda kuchengeta mari yako yose mune rimwe bhangi, asi zvakadaro, unoda kurara zvakanaka usiku iwe uchiziva kuti wakafukidzwa nemiganhu ye FDIC.
Iwe hausi kuda kutarisana nekupaka mari yako mubhadharo yeHaimari, zvisungo, kana manotsi.
Panzvimbo pokudhonza $ 1,250,000 muakaunti yekutarisa kana kukonzerwa nekombiji, iwe unogona, pane kudaro, ita chimwe chinhu chakadai:
- $ 250,000 chikwata chekubhadhara, chakasarudzwa chekufa kune Jane Smith
- $ 250,000 kutarisa nhoroondo, inobhadharwa kurufu kuna Andrew Smith
- $ 250,000 nhoroondo yekuchengetedza, yakabhadharwa norufu kuna Gregory Smith
- $ 250,000 nhamba yemari yemari, inobhadharwa parufu kuna Elizabeth Smith
- $ 250,000 kero yekusungirirwa, inobhadharwa parufu kuna Heather Smith
Nokuita izvi, kana bhizinesi raizokanganiswa mukudengenyeka kwakaipisisa, FDIC ichauya uye ichadzorera mari yose ye $ 1,250,000, iyo inokwana 5x iyo yakawanda yekuvhara miganhu! Kuti uedze kana uchiri kuita nenzira yakarurama, tora nguva yekutamba neDICIC EDIE calculator (EDIE ifupi ne "Electronic Deposit Insurance Estimator"), iyo ichakutendera kuti uite mamiriro ezvinhu kuti uone kana uri kuchengetedza zvinhu zvako nekuratidza kuti mari yakawanda iwe waizodzoka mubhishopu rekuvhara.
A Hand Handedcks to Payable on Death Accounts
Sezvo nezvinhu zvose muupenyu, pane zvimwe zvingakundikana kushandisa iko kuribhadhara pamusana pokufa kunowedzera FDIC yako yemiganhu yemishonga kune zvinhu zvakadai sekuchengeta mari kana zvikwangwani zvekuisa.
Vakawanda vanoti nyika dzakapoteredza dzine mitemo yakasimba pane iyo inofanira kuteverwa kana iwe ukambochinja pfungwa yako uye unoda kuchinja munhu akapiwa mubhadharo pamubhadharo wenyaya yekufa. Dzimwe nhengo dzenyika dzinogona kukupa kutarisa kusingaoneki kana iwe ukakumbira sekodhi yakadaro. Pane kudaro, unofanira kuvaudza kuti unoda "Totten Trust".
Kune vanhu vazhinji, mumamiriro akawanda, iyi ihomwe shoma yekubhadhara. Zvakanakira kwete kungorara zviri nani usiku nekuda kwemari yepamusoro ye inshuwarisi yemiganhu uye kuregera probate pamusoro pezvinhu zvakachengetwa munhoroondo iyo inobatsira kudarika, nekutsanangura kuti nei vanhu vazhinji vari vateereri vei nzira iyi.
Ingoyeuka: Haugoni kupfurikidza iwe unobhadhara pamitemo yekufa, iyo inoratidzirwa yehupenyu husingatenderwi kuvimba, nechishuvo. Kana iwe uchitumidza mwanakomana wako semupiro womufomu webhuku, uye mushure mokusiya mari yacho kumwanasikana wako mukuda kwako, mwanasikana wako haazogashiri chinhu.
Anenge asingatombogadziri uye mwanakomana haaiti kuti akudze kuda kwako nekupedzisira pane zvose. Mari yacho ndeyomutemo uye yepamutemo kuti aite nayo sezvaanoda nokuti nguva yawakafa, iyo nhoroondo ikava pfuma yake. Idzi tsika: Iva nechokwadi chekuti iwe unenge wakanaka nemupi wemari unobhadharwa panyaya yekufa inogamuchira mari nokuti kana chimwe chinhu chikaitika kwamuri, ndizvo chaizvo zvichaitika. Iwe unotofanirawo kurwisana nechokwadi chokuti mari ichave isina kudziviswa. Kana iwe uine hanya nemararamiro eunobhadharwa, funga nezve spendthrift trust fund pane.